Newcomers & Mortgages in Canada: Your Guide to Homeownership in 2025
Starting fresh in a new country comes with big dreams—and buying a home is often one of them. But navigating Canada’s mortgage system as a newcomer can feel daunting. The good news? You’re not alone—and you can qualify for a mortgage, even without Canadian citizenship yet.
💡 Key Insights for New Immigrants
- You don’t need to be a citizen: As long as you’re a permanent or temporary resident, you may qualify.
- Build your profile: A larger down payment and solid credit score (local or international) can significantly boost your chances.
- Documentation matters: Be ready to show immigration status, employment history, and banking records.
🧩 Mortgage Products That Work for You
At Sam Ansari – Centum Financial Services, we help newcomers find mortgage options suited to their needs:
- New-to-Canada mortgages with flexible documentation
- Private lending when traditional banks won’t approve
- Reverse mortgages if you’re settling here later in life
- Second mortgages to access equity or consolidate debt
- Construction loans if you’re building your dream home
🙌 Why Clients Trust Us
With over 20 years of experience, Sam Ansari offers:
- Expert advice tailored to immigrant families
- Fast service, competitive rates, and personal guidance
- A legal, licensed relationship through Centum Financial Services L.P.
📲 Let’s Get You Home
Book a consultation at samansari.com or call (416) 356-6310—we’ll walk you through every step, in language that makes sense to you.